How To Maximize
Your Disability

Male Rates

10 Year Guaranteed Level Premium Term

Annual Premiums

Age	$250,000	$500,000	$1,000,000
30	$130	$170	$255
35	$130	$170	$255
40	$157	$230	$365
45	$212	$340	$595
50	$295	$505	$925
55	$467	$850	$1575
60	$725	$1365	$2525

Male Rates

15 Year Guaranteed Level Premium Term

Annual Premiums

Age	$250,000	$500,000	$1,000,000
30	$160	$220	$355
35	$165	$220	$355
40	$212	$325	$565
45	$315	$515	$945
50	$472	$800	$1515
55	$687	$1220	$2325
60	$1192	$2240	$4185

Male Rates

20 Year Guaranteed Level Premium Term

Annual Premiums

Age	$250,000	$500,000	$1,000,000
30	$195	$285	$475
35	$205	$290	$495
40	$245	$385	$685
45	$410	$690	$1285
50	$627	$1125	$2075
55	$965	$1665	$3205
60	$1577	$2855	$5435

Female Rates

10 Year Guaranteed Level Premium Term

Annual Premiums

Age	$250,000	$500,000	$1,000,000
30	$123	$150	$215
35	$123	$150	$215
40	$148	$200	$315
45	$190	$295	$505
50	$247	$410	$725
55	$343	$600	$1095
60	$483	$860	$1595

Female Rates

15 Year Guaranteed Level Premium Term

Annual Premiums

Age	$250,000	$500,000	$1,000,000
30	$145	$195	$295
35	$148	$200	$305
40	$180	$265	$435
45	$240	$375	$665
50	$320	$525	$955
55	$438	$745	$1385
60	$718	$1270	$2405

Female Rates

20 Year Guaranteed Level Premium Term

Annual Premiums

Age	$250,000	$500,000	$1,000,000
30	$173	$250	$405
35	$173	$250	$405
40	$220	$335	$575
45	$293	$480	$865
50	$410	$690	$1285
55	$625	$1085	$2085
60	$1000	$1785	$3465

Note:
These are sample rates only.
Exact rates will depend upon health, classification, and underwriting.
Rates shown are best class non-smoker.